Why this matters: “MCA Compliance Requirements” is no longer a buzz-phrase—it’s a survival strategy. 2025 ushers in new disclosure mandates, registration rules, and annual-report deadlines layered atop federal obligations.

This evergreen guide breaks down:

• Nation-wide MCA compliance requirements that apply in every state;
• A bullet list of each state’s current rule set (new 2025 items flagged);
• The big 2025 changes you can’t ignore; and
• How LendSaaS automates disclosures, UCC filings, annual reports, and more.

2 | State-by-State MCA Compliance Requirements

• Alabama — No MCA-specific statute; UDAP + UCC apply.
• Alaska — No dedicated rules; business-license & UDAP.
• Arizona — No MCA law; monitor AG UDAP actions.
• Arkansas — Usury caps don’t apply to bona-fide receivables sales.
• California — SB 1235 disclosures; first DFPI annual report due 15 Mar 2025.
• Colorado — No statute; HB 23-1229 stalled—watch 2025 session.
• Connecticut — Sales-Based Financing disclosure & registration (1 Oct 2024).
• Delaware — No MCA statute; UDAP applies.
• District of Columbia — Disclosure bill pending; not law yet.
• Florida — Commercial Financing Disclosure Law (≤ $500k) since 1 Jan 2024.
• Georgia — SB 90 disclosures (≤ $500k) since 1 Jan 2024.
• Hawaii — No MCA statute.
• Idaho — No MCA statute.
• Illinois — Small-business truth-in-lending bill pending.
• Indiana — No MCA regulations.
• Iowa — No MCA law; avoid disguised-loan wording.
• Kansas — Commercial Financing Disclosure Act (1 Jul 2024).
• Kentucky — No MCA statute; AG uses UDAP.
• Louisiana — No MCA statute.
• Maine — No MCA statute.
• Maryland — No MCA statute; brokers may trigger CSBA.
• Massachusetts — No MCA statute; AG warns on “loan-like” MCAs.
• Michigan — No MCA statute.
• Minnesota — No MCA statute.
• Mississippi — No MCA law.
• Missouri — NEW 2025 disclosure & broker registration effective 28 Feb 2025.
• Montana — No MCA statute.
• Nebraska — No MCA statute.
• Nevada — No MCA statute; collection-agency licence may trigger.
• New Hampshire — No MCA statute.
• New Jersey — Disclosure bill A2903 in debate (not law yet).
• New Mexico — No MCA statute.
• New York — 23 NYCRR 600 disclosures enforced since 1 Aug 2023.
• North Carolina — No MCA statute.
• North Dakota — No MCA statute.
• Ohio — No MCA statute.
• Oklahoma — No MCA statute.
• Oregon — No MCA statute; 2023 bill died.
• Pennsylvania — No MCA statute; AG uses UDAP.
• Rhode Island — No MCA statute.
• South Carolina — No MCA statute.
• South Dakota — No MCA statute.
• Tennessee — No MCA statute.
• Texas — No MCA statute; SB 1776 failed.
• Utah — Sales-Based Financing Registration & Disclosure (SB 183) since 1 Jan 2023.
• Vermont — No MCA statute.
• Virginia — SBFP registration & disclosure since 1 Jul 2022.
• Washington — No MCA statute; 2024 DFI fairness guidance.
• West Virginia — No MCA statute.
• Wisconsin — No MCA statute.
• Wyoming — No MCA statute.

4 | How LendSaaS Automates MCA Compliance Requirements

Dynamic Disclosure Engine

Select a state and deal size—LendSaaS generates the exact disclosure form in seconds.

One-Click UCC-1 Filing & Tracking

File liens, schedule continuations, and auto-terminate on payoff without leaving the platform.

California Annual Report Wizard

Aggregate 2024 deal data and e-file the DFPI report before 15 March 2025.

Compliance Calendar & Alerts

All disclosure go-lives, registration renewals, and audit checkpoints are pre-loaded.

Immutable Audit Log & E-Sign

Time-stamped, tamper-proof storage of every disclosure—export-ready for regulators.